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Section 2: Trends and Variation in Health Insurance Coverage

• Distribution of Minnesota population by primary source of insurance coverage

• Private insurance• Trend in self-funding• Large group, small group, and individual coverage

DISTRIBUTION OF MINNESOTANS BY THEIR PRIMARY SOURCE OF HEALTH INSURANCE COVERAGE

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Distribution of Minnesota Population by Primary Source of Insurance Coverage, 2012

Uninsured; 8.7%MA, MNCare;

13.8%

Medicare; 15.5%TriCare; 1.1%

Self Insured; 37.7%

Fully Insured; 23.1%

Total Population 5.4 Million

Source: MDH Health Economics Program; population estimates are from the U.S. Bureau of Census,MA is Medical Assistance, MNCare is MinnesotaCare.

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Distribution of Minnesota Population by Primary Source of Insurance Coverage, 2012

TriCare; 1.1%

Uninsured; 8.7%

MA, MNCare; 13.8%

Medicare, 15.5%

MCHA/PCIP; 0.5%Individual; 4.6%

Small Group 6.1%

Large Group; 49.7%

Source: MDH Health Economics Program; population estimates are from the U.S. Bureau of Census, June 2013MA is Medical Assistance, MNCare is MinnesotaCare, MCHA is Minnesota Comprehensive Health Association, PCIP is Pre-Existing Condition Insurance Plan

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Distribution of Minnesota Population by Primary Source of Insurance Coverage, 2003 to 2012

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

Public: 25.3% 25.6% 25.8% 25.9% 25.8% 26.4% 27.5% 28.8% 30.1% 30.5%

Medicare 13.4% 13.5% 13.7% 13.9% 14.0% 14.3% 14.6% 14.8% 15.0% 15.5%

Medical Assistance

7.2% 7.5% 7.7% 7.9% 8.0% 8.4% 9.1% 9.7% 11.2% 11.5%

MinnesotaCare 3.0% 2.8% 2.6% 2.4% 2.2% 2.2% 2.3% 2.6% 2.7% 2.3%

GAMC 0.7% 0.7% 0.7% 0.7% 0.4% 0.4% 0.5% 0.5% 0.0% 0.0%

TriCare 1.1% 1.1% 1.1% 1.1% 1.1% 1.0% 1.1% 1.1% 1.2% 1.1%

Private: 67.6% 66.7% 66.7% 66.7% 67.0% 66.3% 63.4% 62.0% 60.8% 60.8%

Fully Insured 28.4% 27.8% 28.0% 27.8% 27.2% 27.1% 25.5% 24.2% 23.3% 23.1%

Self-Insured 39.1% 38.9% 38.6% 39.0% 39.8% 39.3% 37.9% 37.8% 37.5% 37.7%

Uninsured 7.2% 7.7% 7.5% 7.4% 7.2% 7.3% 9.0% 9.2% 9.1% 8.7%

Total 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%

Source: MDH, Health Economics Program

PRIVATE INSURANCE

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Private Health Insurance: Enrollment in Fully Insured and Self-Insured Plans, 1999 to 2012

1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 20120%

10%

20%

30%

40%

50%

60%

70%

Percent of Privately Insured Minnesotans in Fully Insured vs. Self-Insured Plans

Fully Insured Self-Insured

Source: MDH Health Economics Program

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Distribution of Minnesota’s Private Health Insurance Market by Market Space, 2004 to 2012

2004 2008 20120

500,000

1,000,000

1,500,000

2,000,000

2,500,000

3,000,000

3,500,000

80.0% 80.9% 82.4%

13.4% 11.9%10.0%

6.6% 7.2% 7.6%

3,390,288 3,469,9813,273,183

Large Group Small Group Individual

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Insu

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Source: MDH Health Economics Program

Additional Information from the Health Economics Program Available Online

• Health Economics Program Home Page• www.health.state.mn.us/divs/hpsc/hep/index.html

• Publications• www.health.state.mn.us/divs/hpsc/hep/publications/

• Health Care Market Statistics (Presentation Slide Decks)• www.health.state.mn.us/divs/hpsc/hep/chartbook/index.html

• Interactive Health Insurance Statistics• https://pqc.health.state.mn.us/mnha/Welcome.action